Disclaimer
Last updated: 1 November 2026. Please read this before using any figure from ToolPitara in a real decision. It is short, and it matters.
Estimates, not advice
All content and calculator results on ToolPitara are provided for general information and personal planning only. They are not financial advice, investment advice, tax advice, legal advice, or a recommendation to buy, borrow, invest or file in any particular way. ToolPitara is a tools website operated independently from India; it is not a bank, lender, mutual fund, tax authority or advisory firm, and it is not affiliated with any of them.
Why real figures can differ
- Loans (EMI Calculator): your bank's sanction letter governs. Processing fees, insurance premiums, floating interest rates, part-payments and the bank's own rounding and day-count conventions can all change the actual EMI and total interest.
- Investments (SIP Calculator): the calculator grows your money at one steady rate that you choose. Real markets do not behave that way — returns vary year to year and can be negative. A higher assumed return produces a prettier number, not a safer plan.
- Tax (GST Calculator): GST rates, exemptions and rules are set by the GST Council and change through official notifications. Place of supply, HSN/SAC classification, reverse charge, the composition scheme and input tax credit conditions can all change what a correct invoice looks like.
Verify before you decide
Before acting on any figure from this site — signing a loan agreement, starting or stopping an investment, raising an invoice, or filing a return — verify it with the source that will actually govern the transaction:
- your bank or lender's official offer and amortisation schedule;
- a SEBI-registered investment adviser for investment decisions;
- a chartered accountant for tax positions and filings; and
- official sources — the GST portal and GST Council notifications for tax rates, and the Reserve Bank of India for lending rules — where a rule, rate or slab matters.
Accuracy of the site itself
We test every calculator before publishing it and explain each formula openly so you can cross-check it. Even so, we cannot warrant that every page is free of error at all times or that the site will always be available. If you spot a mistake, telling us at toolpitara@gmail.com helps every visitor after you, and we will correct it.
No responsibility for decisions taken on estimates
To the extent permitted by law, ToolPitara accepts no responsibility for losses arising from decisions made in reliance on its estimates without independent verification. This disclaimer sits alongside our Terms & Conditions, and the two should be read together.